SR.NO.	PARAMETERS	PARTICULERS
1	Target Group	a. Landlords of our Branch/Offices premises (Including residential flat/houses leased to Bank.) b. Owner of property (Commercial/Residential) who have rented the same to Public Sector Banks, Public Sector Undertakings, Post Office & Government Departments. c. Owner of property (Commercial /residential/ IT Parks/Malls/properties in Industrial area/ SEZ) who have rented the same to other reputed companies/MNCs/Institutions/ Private Sector Banks etc. d. The property leased out should not have any litigation regarding the title and it should be owned by the borrower. e. The loan is not permissible in case where lessor and lessee belong to the same group. However in cases where there are multiple offices/ units in a single building and of which few unit(s) are leased out to firm(s) under the same group and remaining other unit(s) to other eligible lessees, financing under the scheme shall be Permitted. In such cases the rentals from such sister concern(s) should be excluded while arriving at the eligible loan amount. However, it should be ensured that a minimum of 10% of the total carpet area rented out is leased out to sister concern. f. Residual age of the building should be 5 years more than tenure of loan. g. The eligible lessors shall exclude the property owners who have leased out the entire property to following lessees: ? Education Institutions ? Sports Infrastructure ? Hospitals. However, if the rent receivable from the above said restricted entities constitute less than or equal to 1/3rd of the total rent receivable, the same can be considered eligible. • The facility should be made available only to resident customers and not to NRIs (Individuals).
2	Eligibility	a. Landlords of our Branch/Offices premises (Including residential flat/houses leased to Bank.) b. Owner of property (Commercial/Residential) who have rented the same to Public Sector Banks, Public Sector Undertakings, Post Office & Government Departments. c. Owner of property (Commercial /residential/ IT Parks/Malls/properties in Industrial area/ SEZ) who have rented the same to other reputed companies/MNCs/Institutions/ Private Sector Banks etc
3	Type of Facility	Term Loan
4	Quantum of Exposure	Maximum limit per party that can be sanctioned under the scheme should be calculated considering net rent amount available to the Bank up to maximum 120 months subject to lower of the following: a. 75% of the net rental income for residual/effective lease period i.e. Gross Rentals less (Advance rent received + property tax + TDS + Other statutory dues of lessor) OR b. 75% of the value of property
5	Margin	25% of the net rental income for residual/effective lease period or 25% of value of property whichever is higher.
6	Rate of Interest	As per bank policy.
7	Repayment/ Moratorium	As per bank policy.
8	Primary Security	Hypothecation of rent receivables
9	Collateral Security	Above Rs.1.00 Lacs - Mortgage of property, in respect of which rent is charged to the loan. In case the security of the said property is not available, Mortgage of alternate property is permitted.

Note: Conditions apply. The information provided above is only illustrative and not exhaustive